Home Loans

A place to belong

At Clearwater Credit Union, we believe in building vibrant, thriving communities. That is why we offer a variety of options to meet your home loan needs. Our personalized approach and commitment to in-house servicing reflect our commitment to values-based banking.

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Buy your new home

Whether you’re buying your first home, building, or investing, we’ll help every step of the way.

  • Residential homes
  • Condo, townhouse
  • New construction
  • Investment properties
  • Manufactured homes
  • Lots and land
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Ready to refinance?

Our experienced team is available to help you with your refinance, whether you want to pay off your loan faster, lower your monthly payments, change from variable to fixed interest, or put cash in your pocket.

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Get your equity working for you

If you own a home, you may be able to capitalize on its value as extra cash for special purchases. Consider using a Home Equity Loan or Line of Credit for home improvements, college costs, vacations, or debt consolidation. The interest on a Home Equity loan may even be tax-deductible — check with your tax advisor for details.

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Improve your home

It’s your home — so make the most of it. We offer home energy loans to help you reduce your carbon footprint, take advantage of state and federal incentives, and lower your utility bills. We also provide a variety of options to fund your home renovations, so you can turn your home into the haven you want it to be.

Do you have questions? We’ve got answers.

Visit our Homeownership Center to find useful information on the entire mortgage process, including calculators, FAQ, and a glossary.

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Making housing more affordable

Manufactured home owners in Montana

Manufactured housing makes up nearly 12% of the housing stock in Montana, providing shelter for 53,000 families.

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Young couple smiling at each other with a manufactured home in the background.

Get pre-approved

A pre-approval can make all the difference when it comes to buying the house of your dreams. Get pre-approved today.

Apply now

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All loans subject to approval. Federally insured by NCUA.